01
You speak
You, by voice
“Just invoiced Studio Bianchi €2,500, due May 30.”
Saldo
Logged. Due 30/05. Long-time client, pays on average 14 days late.
Private beta · 2026
Know what you
can spend today?
Saldo is the app for freelancers and solo businesses. Tell it your invoices and expenses by voice. It tells you what you can spend without going under, even when clients pay late.
English & Italian voice iOS & Android EU & US servers
9:41.
Good morning, Daniele
You're good.
Safe to spend today
+€240 vs yesterday€ 1.840
No risk in the next 30 days.
Runway
47 days
At risk
2 invoices
Next 7 days
Mon · fixed costsT
W
T
F
S
S
M
YOU
"Just invoiced Studio Bianchi €2,500"SALDO
Logged. Due May 30. Client pays on average 14 days late.Hold to speak
"What can I spend?"
"Client B just paid me €1,800…"
The wall you know too well
Most accounting apps tell you what you already spent. Saldo tells you what you are about to not be able to afford.
Italy · B2B 2024
52days
average late payment delay. Worst in Europe, but the problem is everywhere.
Global freelance studies
74%
of freelancers face late payments every year. From Milan to Brooklyn.
Global market
1 in 3US workers
is now a freelancer. The trend is everywhere, and it's accelerating.
How you talk to Saldo
No forms. No tapping. Just voice.
Other apps die because you stop updating them by week two. Not Saldo: you only open it to listen.
02
It listens
You, by voice
“Client B paid the €1,800.”
Saldo
Balance updated to € 6,840. Runway extended to 53 days. Client B promoted to reliable.
03
You decide
You, by voice
“Can I buy the €2,400 laptop?”
Saldo
Yes, but your buffer drops to €320 on June 12. Better to wait for Client A's payment.
When you want to see
A dashboard that does the math for you.
- Safe-to-spend. What you can spend today without dropping below your threshold in 30 days.
- Runway in days. Even if nobody pays, how long you last.
- Per-client risk score. Who pays on time, who's about to put you in the red.
- "What if…" scenarios. "If Client A pays late" — see the impact instantly.
May 2026
30-day forecast
€6.8k1
€6.5k4
€6.2k7
€0.3k12
€3.1k15
€2.8k22
€5.2k30
Minimum buffer€ 2.000
Next critical pointMay 12 · €320
Riskiest clientStudio Verdi · 41 days
Founder seat
Only the first 100.
Locked price, forever.
I'm not looking for 100,000 users today. I'm looking for 100 freelancers who'll actually use Saldo, tell me what works, and help me build it. In return: day-one pricing, for life.
- Access to the private beta the moment it ships.
- Price locked forever, no matter what we decide later.
- Direct Telegram channel with me for feedback.
- Vote on which features ship first.
€19.99/year
Less than €1.67/month. Everything included.
or pay monthly, no commitment.€2.99/month
or
Not convinced yet? Stay on the list, I'll write when the beta opens.
Honest questions
What people are already asking
When does it actually launch?
Private beta in 2026 for the list. Public launch right after, in English and Italian.
Does it connect to my bank?
No bank connection at launch. Voice and manual taps only. This is a choice: zero setup friction and no PSD2/Open Banking burden in month one. Bank sync will come later as an option, not a requirement.
Does it really work in English and Italian?
Yes. Speech models tuned for both languages (numbers, dates, amounts, tax terminology). If Saldo isn't sure, it asks for one-tap confirmation. Never a guessed entry. More languages right after.
Where does my data live?
EU and US servers, your choice of region. No selling to anyone. Voice transcripts are deleted after parsing. Full export and account deletion in one tap.
Does it work on both iPhone and Android?
Yes, beta on both. Built for one-handed use on the go — you do everything while holding your phone the way you do when you reply to a client on the street.
How is this different from my invoicing app?
Saldo isn't an invoicing platform. You issue invoices wherever you do today — FreshBooks, QuickBooks, Bonsai, Fatture in Cloud, whatever. Saldo is the layer above: it tells you whether you can afford to live this month.